Privacy Policy

Collecting information from you

We obtain information about you when you use our website, for example, when you contact us about products and services, use our on-line calculators or if you register to receive one of our newsletters.

Types of information collected

The personal information we collect might include your name, address, email address, IP address, and information regarding what pages are accessed and when. If you make any payment to us, your card information is not held by us, it is collected by our third party payment processors, who specialise in the secure online capture and processing of credit/debit card transactions.

Use of information

We may use your information to:
• Reply to any queries you may make including calculators;
• Collect payment;
• process orders that you have submitted;
• to carry out our obligations arising from any contracts entered into by you and us;
• dealing with entries into a competition;
• seek your views or comments on the services we provide;
• notify you of changes to our services;
• send you communications which you have requested and that may be of interest to you.
• activities, promotions of our associated companies goods and services;
• process a job application.

We review our retention periods for personal information on a regular basis. We are legally required to hold some types of information to fulfil our statutory obligations. We will hold your personal information on our systems for as long as is necessary for the relevant activity, or as long as is set out in any relevant contract you hold with us.

Access to your information

We will not sell or rent your information to third parties.

We will not share your information with third parties for marketing purposes.

We may request proof of identity before we will release the information to you.

Third Party Providers working on our behalf: We may pass your information to our third party service providers, agents subcontractors and other associated organisations for the purposes of completing tasks and providing services to you on our behalf. However, when we use third party service providers, we disclose only the personal information that is necessary to deliver the service and we have a contract in place that requires them to keep your information secure and not to use it for their own direct marketing purposes. Please be reassured that we will not release your information to third parties beyond Access Equity Release for them to use for their own direct marketing purposes, unless you have requested us to do so, or we are required to do so by law, for example, by a court order or for the purposes of prevention of fraud or other crime.

We may transfer your personal information to a third party as part of a sale of some or all of our business and assets to any third party or as part of any business restructuring or reorganisation, or if we’re under a duty to disclose or share your personal data in order to comply with any legal obligation or to enforce or apply our terms of use or to protect the rights, property or safety of our supporters and customers. However, we will take steps with the aim of ensuring that your privacy rights continue to be protected.

If you do not want to receive direct marketing communications from us then you can select your choices by ticking the relevant boxes situated on the form on which we collect your information. We will not contact you for marketing purposes by email, phone or text message unless you have given your prior consent. We will not contact you for marketing purposes by post if you have indicated that you do not wish to be contacted. You can change your marketing preferences at any time by contacting us by email: info@yourmortgagedecisions.com .

Accessing and updating your information

The accuracy of your information is important to us. If you change email address, or any of the other information we hold is inaccurate or out of date, please email us at: info@yourmortgagedecisions.com, or write to us at: Your Mortgage Decisions LTD, 78 - 80 Portsmouth Road, Surbiton, Surrey, KT6 5PT. Alternatively, you can telephone 03330002099.

Protecting information

When you give us personal information, we take steps to ensure that it’s treated securely. Any sensitive information (such as credit or debit card details) is encrypted and protected. When you are on a secure page, a lock icon will appear on the bottom of web browsers such as Microsoft Internet Explorer. Non-sensitive details (your email address etc.) are transmitted normally over the Internet, and this can never be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information you transmit to us, and you do so at your own risk. Where we have given (or where you have chosen) a password which enables you to access certain parts of our websites, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

You may also refuse to accept cookies by de-activating the "remember me on this computer" at the bottom of the relevant pages or by using the setting on your browser, which allows you to refuse the setting of cookies. Turning cookies of may result in a loss of functionality when using our website.

Links to other websites

This website may contain links to other websites run by other organisations. This privacy policy applies only to this website‚ so we encourage you to read the privacy statements on the other websites you visit. We cannot be responsible for the privacy policies and practices of other sites.

Links from other websites

If you arrived at this website from a third party site we cannot be responsible for the privacy policies and practices of the owners and operators of that third party site.

Transferring information outside of Europe

The information which you provide to us may be transferred to countries outside the European Union (“EU”) for example if any of our servers are from time to time located in a country outside of the EU. By submitting your personal data, you’re agreeing to this transfer, storing or processing. If you use our services while you are outside the EU, your information may be transferred outside the EU in order to provide you with those services.

We also may from time to time use Facebook Advertising, Facebook Pixel Re-Marketing, and communications. We do this to understand and deliver ads and make them more relevant to you. Cookies also enable us to learn whether someone who saw an ad on Facebook later visited our website. The ultimate control of the dissemination of information gathered through Facebook Advertising, Facebook Pixel Re-Marketing, and communications resides entirely with Facebook. You can opt-out of Facebook's use of cookies and Facebook Pixel Re-Marketing through settings on your Facebook Account.

For our ongoing service the fee is 1%, plus a fee of 0.1% for each year of the shorter of the new mortgage term or the existing mortgage term.
The minimum fee is £895 and the maximum fee is £3995. For example, if your mortgage amount is £100,000 and the term is 15 years, our fee will be
1% of £100000 and 0.1% for each of the 15 years. (£100000 x 1% + 0.1% of loan amount x 15 = £1000 + £1500 = £2500).
Our one-off service has a fee of 1% of the mortgage balance with a minimum fee of £895 and maximum fee of £1995. In addition an application fee of £99 is also payable at the time of this application. The application fee is non-refundable.